It is important that every adult carry some sort of car insurance. What state you live in will also determine how much insurance you have to carry. Many states have strict laws about what kind of insurance you should have and what you should be doing to ensure that you are properly covered. Regardless of the coverage you choose, there are some factors that will affect your auto insurance.
1. What Kind of Car You Drive
One of the biggest factors in how much you will pay in monthly insurance premiums is the car that you drive. The higher the value of the car, the more you will pay in insurance. If you drive a brand new car, you should expect to pay more than the person who has a used car with more miles on it. This is because the insurance company has to consider what it will cost to completely replace the car. You are driving a nicer car, so you will pay more.
Additionally, they also take into account how easy it is to get parts for the car; if you have a fancy, foreign-made car that needs special-order parts, then you should expect to pay more in insurance than the person who bought an American-made car that has factory-made parts.
2. Your Driving Record
The second most important factor to your auto insurance is your driving record. People who have caused accidents, have traffic citations, or have a history of speeding will pay more in their insurance each month. This is because the insurance company calculates the probability of you getting in an accident. People who speed, don't pay attention to traffic laws, or have had accidents in the past are more likely to get in an accident.
It should also be mentioned that people who have DUIs might have a difficult time getting insurance. You should expect to see your insurance premiums rise significantly if you get a DUI.
3. What State You Live In
There are some states that are safer to drive in than other states. For instance, if you live in California, you will probably pay more than the person who lives in Idaho. This is because California has a lot more drivers, and so the chances of getting in an accident are higher. There are also certain states that are known for having better and worse drivers than other states. This will play a role in how much you pay.
By knowing these things, you can understand why your insurance premiums are going up. To learn more, talk to companies like LA Insurance.
